Do you suffer with Kidney Stones and receive ongoing medical treatment for the condition? Not sure how to find cost effective Kidney Stone Life Insurance protection? At Life Insurance Cover we can help you find the protection you are looking for. Life Insurance Cover compares all of the different Insurers to quickly and easily find cover that protects you and your loved ones.
What Are Kidney Stones?
Kidney Stones can develop in 1 or both kidneys and most often affect people aged 30 to 60. They are quite common, with more than 1 in 10 people affected. Kidney stones are usually found in the kidneys or in the ureter, the tube that connects the kidneys to your bladder.
They can be extremely painful, and can lead to kidney infections or the kidney not working properly if left untreated.
Symptoms Of Kidney Stones
You may not notice if you have small kidney stones. You’ll usually pee them out without any discomfort. Larger kidney stones can cause several symptoms, including:
- Pain in the side of your tummy (abdomen)
- Severe pain that comes and goes
- Feeling sick or vomiting
Causes Of Kidney Stones
Kidney stones are usually formed following a build-up of certain chemicals in the body. Certain medical conditions can lead to an unusually high level of these chemicals in your pee. You are also more likely to develop Kidney Stones if you do not drink enough water and other fluids.
Kidney stones come in a variety of sizes, shapes and colours. Some are like grains of sand, while in rare cases others can grow to the size of a golf ball.
The main types of kidney stones are:
- The most common type of stone are defined as calcium stones
- Struvite stones, usually caused by an infection, like a urine infection
- Uric acid stones, usually caused by a large amount of acid in your urine
Treatment For Kidney Stones
If your kidney stones are too big to be passed naturally, they’re usually removed by surgery. The main types of surgery for removing kidney stones are:
Shockwave lithotripsy (SWL): This treatment involves using ultrasound (high-frequency sound waves) to pinpoint where a kidney stone is. Ultrasound shock waves are then sent to the stone from a machine to break it into smaller pieces so it can be passed in your urine.
Ureteroscopy: Involves passing a long, thin telescope through a tube and urine passes through on its way out of the body (the urethra) and into your bladder. It is then passed up into your ureter, which connects your bladder to your kidney.
Percutaneous nephrolithotomy: This treatment involves using a thin telescopic instrument called a nephroscope. A small cut is made in your back and the nephroscope is passed through it and into your kidney. The stone is either pulled out or broken into smaller pieces using a laser or pneumatic energy.
Your type of surgery will depend on the size and location of your stones.
Preventing Kidney Stones
The best way to prevent kidney stones is to make sure you drink plenty of water each day to avoid becoming dehydrated. To prevent stones returning, you should aim to drink up to 3 litres (5.2 pints) of fluid throughout the day, every day.
Medical advisors suggest:
- Drink water, but drinks like tea and coffee also count
- Add fresh lemon juice to your water
- Avoid fizzy drinks
- Do not eat too much salt
Keeping your urine clear helps to stop waste products getting too concentrated and forming stones.
Your urine is usually a dark yellow colour in the morning because it contains a build-up of waste products that your body’s produced overnight. Drinks like tea, coffee and fruit juice can count towards your fluid intake, but water is the healthiest option and is best for preventing kidney stones developing. You should also make sure you drink more when it’s hot or when you’re exercising to replace fluids lost through sweating.
Many people who have suffer with Kidney Stones or other medical conditions have been accepted for Life Insurance. Insurers will however accept applications based on how many times you have suffered with Kidney Stones and if there are other conditions. By writing to your GP to confirm your treatment and whether there are any medical complications. Also the impact the condition has on their lifestyle and ability to work.
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Finding Kidney Stone Life Insurance
As an FCA regulated broker, we search and compare all Life Insurance policies available in the UK including specialist protection providers, Life Insurance Cover can find the best policy types and protection for you. It can be difficult to find the right type of protection including Kidney Stone Life Insurance cover for your needs, but we can help you.
Because Kidney Stones can be life changing for some people which can link to other health conditions. Some Insurers may be wary about accepting all potential applications. All Insurers underwrite applications by writing to your GP to confirm treatment and medication. By completing the medical forms from customers looking for Kidney Stone Life Insurance. This ensures they manage and assess their level of risk. If you have had complications or secondary medical problems. It can be challenging to know where to find an Insurer that can meet your needs depending on your medical history.
Costs for Insurance Premiums
Because Kidney Stones can be a debilitating long term condition for those worse affected by the condition. Some Insurers may charge higher premiums than a person with no health conditions at all. This will however depend on the severity of your condition. Whether you are able to keep your symptoms under control with medications and/or diet or lifestyle. If you have had hospital admissions as a result of your Kidney Stones, your premiums may be higher and an Insurer may request some further details from your doctor to determine your premiums.
Prices from Insurers will vary depending on who you speak to, which is why Life Insurance Cover is one the best places to find Kidney Stone Life Insurance.
At Life Insurance Cover our specialist team of advisors can help you find the best Life Insurer that suits your needs. Helping you to compare prices and find the best deal that is within your budget.
Who Offers Kidney Stone Life Insurance?
Life Insurance Cover searches and compares polices from all of the UK’s leading Insurers for conditions similar to and including Kidney Stones. By using an FCA regulated broker, like Life Insurance Cover to compare all of the possible policies available. Will enable you to search all of the UK Life Insurance providers in one simple search to find the best protection for you and your family. During the Life Insurance quote process, we will get quotes from more than provider and explain the benefits of each policy available to you. Helping you to protect today and provide for the future with a financial safety net. An FCA-regulated broker, like Life Insurance Cover can help you to find:
- The best price for Kidney Stone Life Insurance
- Protection for you and your family
- A specialist Insurer that understands you and your symptoms
Different Protection For Kidney Stones
Critical illness Insurance offers protection for many conditions including cancer. If you have received a diagnosis and treatment for Kidney Stones. Acceptance of your Critical Illness Cover application will depend on multiple factors. This will include your overall health, whether your condition is under control. An Insurer may want a medical report to review your current treatment. If you have experienced medication complications, you may face higher premiums or may even need to take out a policy with a specialist Insurer.
Because Life Insurance Cover is an FCA regulated broker we are able to search all of the UK Life Insurance providers to find the best quotes available. By comparing all of the many different policies available will help you find the right cover and take the hassle out of the application process. Simply complete the enquiry form to get a quote. It’s quick, simple and completely free.
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Do you have an ongoing medical condition and require Life Insurance protection? At Life Insurance Cover we take the time to find you the best policy and save you money. We make the purchasing of Life Insurance as quick and simple as possible. Protect today to provide for the future and create a financial safety net for you and your family.